cancel
Showing results for 
Search instead for 
Did you mean: 

Should I Close Citi ?

Highlighted
Established Contributor

Should I Close Citi ?

I have a Citi card with a measly $300 limit that has been opened a couple of years, I've never used it and Citi won't budge with a CLI.  Will it hurt my score at all to close it, or should I just let it sit there open until Citi closes it for non-activity ? 

About $215,000 total credit among 11 cards
Message 1 of 5
4 REPLIES
Frequent Contributor

Re: Should I Close Citi ?

I'd keep it open and work on the reason why they won't budge on a CLI.  Citi are stingy with CLI mine as been stuck the same for several years I get knocked down each time even though my credit profile is excellent.  Well apart from the odd inquiry and zillion new accounts Smiley Wink

Message 2 of 5
Valued Contributor

Re: Should I Close Citi ?

Will you going to give your employee a rate if he being lazy ???

Well used your card and paid them in full.

Used it about 1 or two month then Call the back door number and explain it to them with a such small limit.

Don't closed the card if  if it's have no AF.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 3 of 5
Valued Contributor

Re: Should I Close Citi ?


n777ua wrote:

I have a Citi card with a measly $300 limit that has been opened a couple of years, I've never used it and Citi won't budge with a CLI.  Will it hurt my score at all to close it, or should I just let it sit there open until Citi closes it for non-activity ? 


If the card is not growing even if it has no AF with the cards you currently have I say close it. Those cards and limits are great


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 4 of 5
Senior Contributor

Re: Should I Close Citi ?

Is it a gas crad? My mom has requested CLI for her Sears MC and hasnt had any luck. STUCK AT $1,500 unlike my dad who has his Sears MC at $4,000. CITI IS WEIRD Smiley Tongue

Banking with CBofTV, and HSBC.
First Premier CC $500, Discover IT Secured $200, Neiman Marcus $1,500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 12/01/2017
Message 5 of 5